Health insurance guarantees that if an insured event occurs, you will receive medical care and reimbursement for medications from the insurance company (also called “continuing health insurance”). How much is private health insurance? In this article, we’ll look at what health insurance costs and how to choose it.

Health insurance will help you, your family members or employees of your company to ensure that you receive fast and quality medical care in private and public clinics and hospitals, without queuing and at a time that is convenient for you. VHI programs are not standard (if it is not a corporate insurance for employees) – they are developed individually and can be formed as a construction set, depending on your needs and possibilities.

What does the cost of health insurance depend on?

Fees and cost of health insurance depend on the list of risks, level of programs, number of insured, region of service, health status of the insured and are determined, as a rule, after the medical examination. Corporate health insurance is an effective tool for motivating employees. You can consider a shared participation of the employer and the employee, or regulate the cost of the contract by deductibles and sub limits on medicines and services. In addition, you can additionally insure the life and health of the team against critical illnesses. Private health insurance may be necessary for everyone.

What does private health insurance include?

• Inpatient care – consultations, examinations, surgical and therapeutic treatment, payment for hospital stays, provision of medicines.
• Outpatient care – consultations, doctor’s house calls, sick-leave certificates, diagnostics.
• Provision, payment and delivery of medicines and drugs.
• Emergency medical care – ambulance visits, examinations, emergency care, medication, transportation.
• Dental care – examinations and consultations; therapeutic surgical treatment, x-rays, anesthesia.

The contract of medical insurance is an agreement between the insured and the insurance company, under which the medical company is obliged to organize and finance the provision of medical care of a certain volume and quality or other services under the programs of the insurance company. The contract is recognized as concluded from the moment of payment of the first insurance premium, unless the terms of the contract stipulate otherwise.

If you learn how to obtain voluntary health insurance, you will certainly be familiar with the list of contraindications for the conclusion of the contract. The insurance company may refuse the client if he has a disability, HIV, kidney failure, tuberculosis, cancer, diabetes, and congenital diseases. Also, persons with alcohol or drug addiction should not count on the insurance.